This is a capital adequacy ratio that measures total assets (less other liabilities) to total shares. A ratio over 100 means that a credit union has enough assets to pay all obligations to creditors and members, if liquidation occurs.

This Capital Adequacy ratio measures net worth in relation to total assets. Net worth cushions fluctuations in earnings, supports growth, and provides protection against insolvency. The rate of net worth growth should be commensurate with the levels of risk and asset growth.

This is the annualized year-to-date percentage change (growth) in total Net Worth Capital.

This is the annualized year-to-date percentage change (growth) in total assets.

An earnings ratio that measures annualized YTD net income in relation to average assets. This ratio measures the efficient utilization of assets to create profits YTD. A positive ratio indicates that earnings were sufficient to cover the institution's cost of funds and operating expenses(including for loan loss expense) as well as providing a profit.
For State, Regional, State and Peer Class groups, the aggregate statistic is computed by summing net income and average assets across credit unions within each group and calculating the ratio.

This is the annualized year-to-date percentage change (growth) in total loans.

This is the annualized year-to-date percentage change (growth) in total deposits.

The most common interest/dividend rate paid last quarter according to the dollar volume of business

CREDIT UNION GENERAL INFORMATION

Charter Number

66089

CEO/PRESIDENT

Stanley Washington

Address

5147 S. Dearborn

City

Chicago

State

IL

Zip

60609

Phone

773-924-0381

Fax

773-924-0381

Website

# of Branch Offices

1

# of Members

230

Number of Full-Time Employees

0.50

Host Computer System Vendor

Homebanking Vendor

FINANCIAL STATUS

Total Assets

$117,333.00

Solvency Evaluation (Estimated)

122.83

Net-Worth Ratio

18.59

Net Worth Classification by NCUA

Well Capitalized

Net Worth % Growth (Annualized)

0.24

Total Loans

$10,885.00

Total Deposits

$95,522.00

Total Assets % Growth (Annualized)

-1.14

Return On Average Assets (Annualized)

0.05

Total Loans ($) Growth % (Annualized)

-6.24

Total Deposits ($) Growth % (Annualized)

-1.45

ACCESS TO ELECTRONIC FINANCIAL SERVICES

Home Banking Via Internet Website

No

Wireless

No

Home Banking/PC Based

No

Audio Response/Phone Based

No

ATM Automated Teller Machine

No

Kiosk

No

Other

No

ELECTRONIC SERVICES OFFERED

Member Application

No

New Loan

No

Account Balance Inquiry

No

Checks Ordering

No

New Share Account

No

Loan Payments

No

Account Aggregation

No

Internet Access Services

No

View Account History

No

Merchandise Purchase

No

Share Account Transfers

No

Bill Payment

No

Download Account History

No

Electronic Cash

No

Signature Authentication

No

OTHER SERVICES OFFERED

Real Estate Loans

No

Member Business Loans

No

Risk Based Loans

No

Direct Financing Leases

No

Mortgage Processing

No

Overdraft Protection

No

Overdraft Lines of Credit

No

ATM/Debit Card Program

No

Interest Only First Mortgage

No

Insurance/Investment Sales

No

CREDIT UNION DEPOSIT RATES (Most Common Rates Offered As of the Quarter-Ended)

Checking Rate %

0.00

Reguar Savings Rate %

0.00

Money Market Rate %

0.00

Certifificates of Deposit Rate %

0.00

IRA/KEOGH Rate %

0.00

All Other Savings Rate %

0.00

CREDIT UNION LOAN RATES (Most Common Rates Offered As of the Quarter-Ended)